Cherokee County Teachers CU Rusk TX | Best Auto Loans & Checking

Introduction

Welcome to Cherokee County Teachers, where we believe in building a strong financial future for our members and the community. Located at 145 Fm 2972 W, Rusk, TX 75785, our credit union has been serving its members since 1955, fostering trust and reliability every step of the way. With a dedicated team of 4 employees led by our CEO, Kellie Wilcox, and supported by Board President Ricky Hassell, we are committed to providing personalized service tailored to your financial needs. As of now, we proudly serve over 1,831 members with a total asset base of $14,782,572. Our diverse range of services includes personal banking options like checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and business banking solutions. We understand that life can be unpredictable; therefore, we also offer debt consolidation options to help you navigate through financial challenges. While members can visit us at our branch address, official correspondence should be sent to P O DRAWER A, RUSK, TX 75785. Our total deposits stand at $812,054, reflecting our commitment to maintaining a stable financial environment for our members. With a net worth of $2,776,899 and cash in hand amounting to $762,852, we ensure that your money is safe and accessible whenever you need it. At Cherokee County Teachers FCU, we recognize the importance of community impact. We strive not only to meet your banking needs but also to contribute positively to the local community. Whether you're looking for loans or just need some guidance on saving for the future, we're here to help. We invite you to connect with us! Feel free to call us at 903-683-2630 or visit our website at www.ccteachers.com for more information about our services or how you can join our growing family today!

Branch History & Mission

Cherokee County Teachers has a proud history that dates back to 1955, when it first opened its doors in the heart of Rusk, Texas. Over the years, this credit union has evolved from a small financial institution into a vital part of the community, serving the needs of over 1,800 members today. With total assets reaching an impressive $14,782,572, we continue to grow and adapt to meet the changing financial landscape. Located at 145 FM 2972 W, Rusk, TX 75785, our branch is easy to find and accessible to everyone in the area. Whether you're visiting us for a loan or simply need assistance with your accounts, our friendly staff is here to help. For official correspondence, you can reach us at P O DRAWER A, RUSK, TX 75785 if needed. At Cherokee County Teachers, our mission is simple yet powerful: we aim to provide top-notch financial services while fostering a strong sense of community support. We believe that banking should not just be about transactions; it should also empower individuals and families to thrive financially. Our services include personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We also offer online banking and ATM services for added convenience. We pride ourselves on being more than just a financial institution; we are committed to making a positive impact in our community. Our outreach efforts focus on partnering with local organizations and schools to promote financial literacy and provide support where it's needed most. In today's digital world, we understand the importance of staying connected with our members. Our online banking platform allows you to manage your finances from anywhere while maintaining security and ease of use. We invite you to join Cherokee County Teachers and experience firsthand the benefits of being a member of our credit union. Our dedicated team is ready to assist you with all your financial needs during our operating hours from 8:30 AM to 4:30 PM on weekdays. Give us a call at 903-683-2630 or visit us today!

Branch Location & Accessibility

Convenient Access

We understand that convenience matters. That's why our branch offers both ATM access and a drive-thru service for quick and simple transactions. Whether you need to deposit a check or withdraw cash, we have you covered without the need to leave your vehicle. Plus, our location is ADA-compliant, ensuring that all members can access our services comfortably.

Get in Touch

Have questions? Feel free to reach out at 903-683-2630. We invite you to come by and see how we can help you achieve your financial goals! Your community credit union is here for you every step of the way.

Operating Hours

We're open Monday through Friday from 8:30 AM until 4:30 PM, providing ample time for you to visit us before or after work. Our dedicated staff is always ready to assist you with personal banking needs like checking and savings accounts, auto loans, mortgage loans, and even business banking services. While members can visit us at 145 FM 2972 W, official correspondence should be sent to P O DRAWER A, Rusk, TX 75785 if needed.

Member Eligibility

Joining the Cherokee County Teachers community is not just about opening a bank account; it's about becoming part of a supportive family that truly cares for its members. To be eligible for membership, you simply need to be a teacher, staff member, or retiree from any school in Cherokee County, Texas. This inclusive approach means that if you're connected to education in our area, you're welcome here! As a member of Cherokee County Teachers, you'll enjoy personalized service and access to great financial products designed with your needs in mind. For more detailed information on eligibility criteria, feel free to visit our website at . Opening an account is a breeze! Just stop by our branch located at 145 Fm 2972 W Rusk Tx 75785, or give us a call at (903) 683-2630 during our operating hours from 8:30 AM to 4:30 PM. We're excited to help you take this step toward joining our community and enjoying the many benefits that come with being part of Cherokee County Teachers! If you're ready to get started, you can find more information about account openings here.

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine streamlining your payment processes while boosting customer satisfaction. Our merchant services offer practical solutions like easy credit card processing and point-of-sale systems that make transactions smooth for both you and your customers. This means less time worrying about payments and more time focusing on what you do best running your business. Located at 145 Fm 2972 W Rusk Tx 75785, Rusk, TX TX, we're here to help you navigate your financial journey with ease. For personalized assistance or to learn more about how we can support your business, call us at (903) 683-2630 today!

Comprehensive List Of Services

Accessible In-Person Services

While digital banking offers great flexibility, sometimes personal interaction is necessary. Our drive-thru banking provides an easy way to handle deposits, withdrawals, and simple transactions without leaving your car. If you're ready to explore these services further or have any questions, don't hesitate to reach out! You can contact us at 903-683-2630 during our operating hours from 8:30 AM to 4:30 PM on weekdays. We look forward to assisting you in achieving your financial goals! Explore more about what we offer by visiting us online at Cherokee County Teachers. Let us be part of your financial journey!

Business Banking Support

For small business owners, we recognize the importance of having reliable banking solutions. Our business banking services include merchant services and business loans to help your enterprise thrive.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and make payments without stepping foot in the branch. Plus, if you need cash on the go, our ATM services enable quick withdrawals and balance checks.

Financial Flexibility

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation services, you can find relief without added stress. We also provide credit cards with rewards, allowing you to earn benefits while making everyday purchases.

Personal Banking Solutions

We understand that managing personal finances can sometimes be overwhelming. That's why we offer various checking and savings accounts tailored to fit your lifestyle. If you're thinking about purchasing a new car or refinancing your current vehicle, our auto loans and vehicle financing options are here to help you get on the road with favorable terms. For those considering homeownership or looking to lower their monthly payments, our mortgage loans and refinancing services can guide you through the process smoothly.

Digital & Online Banking

Key Services

Imagine checking your balance, making transfers, or paying bills without stepping foot in a branch! Our online banking platform allows you to do just that. You can enjoy the convenience of person-to-person transfers, making it simple to send money to friends or family quickly and securely. While we currently don't offer electronic signature authorization or e-statements, rest assured that our system prioritizes your privacy and security. Your personal information is protected with top-notch security measures.

Mobile Features

Although we don't have a dedicated mobile application or mobile payments feature right now, our website is fully optimized for mobile use. This means you can still manage your accounts on the go through your smartphone or tablet with ease. With all these features, you'll find that keeping track of your finances is not only easier but also more accessible than ever before. Whether you need to check your account balance while waiting in line or transfer funds during lunch, Cherokee County Teachers has got you covered. So why wait? Dive into the world of hassle-free banking today with Cherokee County Teachers, where we bring convenience right to your fingertips!

Financial Strength

Committed Team

We also take pride in having 4 full-time employees dedicated to providing you with exceptional service. Their knowledge and commitment ensure that our branches are always ready to assist you with your financial needs.

Growing Member Base

Total Share Accounts stand at 2,456, reflecting a strong and growing member base that trusts us with their finances. This trust underpins everything we do at Cherokee County Teachers. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cherokee County Teachers is your trusted partner. Visit us at 145 Fm 2972 W Rusk Tx 75785 or call 903-683-2630 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity is robust with $10,648,155 in total loans and leases. This includes 267 used auto loans, which shows our commitment to helping you finance your needs across various sectors. Our operational efficiency is evident with a net income of $60,342, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric Approach

Members' savings are secured through $3,642,721 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. We ensure that our resources are focused on benefiting you through better loan rates and exclusive perks. With $2,687,045 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. We believe that the strength of our financial position allows us to support your goals effectively.

Solid Foundation

With a net worth of $2,776,899, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 18.75% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,945,452 in used vehicle loans and $4,126,007 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to ensure you can find an option that fits your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we do not have Junior Lien 1-4 Family Residential Properties loans available; however, we encourage you to inquire about any future offerings that may suit your needs.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for our various products, our team is here to help guide you through the process. We aim to make borrowing as straightforward as possible so you can focus on what matters most. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Cherokee County Teachers, we're dedicated to helping our members navigate their financial paths with confidence and ease. Visit us today or check out more information online at Cherokee County Teachers!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although currently we do not have any active unsecured credit card loans available, please stay tuned for future products that can help you manage your finances effectively.

Loan Aggregator

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CHEROKEE COUNTY TEACHERS FEDERAL CREDIT UNION